What to do if you couldn't get finance loan for the property you want to puchase?

Hi,

My form F on a property purchase stipulates that "if the buyer is unable to obtain a finance loan within 10 days of the contract, deposit cheque must be returned."

In this instance, the seller delayed initial valuation viewings (so now past 10 days) and now valuation has come in less than the asking price, effecting my ability to borrow the necessary amount.

Are there any local/federal laws in the Emirate of Dubai that also provide any overriding defence?

Thanks